First-Time Buyer Programs Chandler AZ
First-Time Buyer Programs in Chandler, AZ at Earnhardt Ford
Ford Credit lists a First-Time Buyer Program for people financing their first vehicle, and our finance office at Earnhardt Ford in Chandler, AZ works with Ford Credit. Our finance department says it works with buyers from perfect credit to no credit.
First car loan at Earnhardt Ford: the facts
| Lender program | Ford Credit First-Time Buyer Program, for people financing their first vehicle |
|---|---|
| Prequalification | Online through Ford Credit, to see your budget before you shop |
| Credit application | Full Ford Credit application online in minutes |
| Credit situations | Perfect credit to no credit, per Earnhardt Ford's finance department. Financing on approved credit |
| Listed prices | Exclude tax, title and license charges |
| At-home test drive | Free, no obligation to buy, valid driver's license required |
| At-home test drive area | Chandler and nearby cities such as Gilbert, Tempe and Mesa |
| Certified used Fords | Ford Blue Advantage and Gold Advantage |
| Sales hours | Mon to Fri 8 a.m. to 9 p.m., Sat 8 a.m. to 8 p.m., Sun 10 a.m. to 6 p.m. |
| Lender ID | Ford Credit NMLS #3018 |
Sources: Ford Credit's finance page at ford.com/finance and earnhardtford.com, read October 29, 2026.
What Ford Credit's First-Time Buyer Program Is
Ford Credit's First-Time Buyer Program is for people financing their first vehicle, and you'll find it on Ford's finance page. That same page lets you get prequalified so you can see your budget before you shop, and it lets you complete a full credit application online in minutes. Earnhardt Ford's finance office works with Ford Credit and a network of other lenders.
How a First Car Loan Works at Earnhardt Ford
A first car loan at Earnhardt Ford takes four steps, and you can do the first three from home.
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1
Pre-qualify online
Our pre-approval page puts a budget in front of you before you've picked a car. Neither that page nor Ford Credit's says whether pre-qualifying touches your credit score, so ask the finance office first if that worries you.
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2
Pick the car
Start in our used Ford inventory in Chandler or our new Ford inventory. When you look at a listed price, add tax, title and license to it, because the listed price doesn't include them. That sum is the figure to carry around, not the sticker alone.
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3
Drive it at home
Book one of our at-home test drives in Chandler. It's free, and there's no obligation to buy.
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4
Sign
When you're ready, apply for financing at Earnhardt Ford, then finish online through No Bull Express or sit down at the finance office in Chandler.
We put step one ahead of the test drive on purpose. With no credit history, the budget the pre-qualification shows you decides which cars are worth your time behind the wheel.
Before You Visit the Finance Office
Your driver's license comes first. We require a valid one before an at-home test drive.
And bring the number you pre-qualified for. Ask about the down payment too: neither Ford Credit's finance page nor ours says whether a first loan needs one.
Your First Ford at Earnhardt Ford in Chandler
"Always great service! Bought my truck there 12 years ago and they help me keep it running strong!"
MaCinda, October 2026 Google review of Earnhardt Ford
For a first car, the certified used Fords we sell come under Ford Blue Advantage. There's no haggling on the price, so the number you see is the price you start from, before tax, title and license. If you'd rather not come in until it's time to sign, No Bull Express puts the whole purchase online. You can read more about Earnhardt Ford and the family behind it since 1951 on our about page.
Earnhardt Ford, 7300 West Orchid Lane, Chandler, AZ 85226. Call (480) 866-9848.
Serving Chandler and the East Valley
For East Valley buyers, we offer home delivery, so picking up the car you financed doesn't have to mean a drive to Chandler.
What First-Time Buyers Ask Earnhardt Ford in Chandler
I've never had a car loan and my credit file is thin. Can Earnhardt Ford in Chandler get me financed on a used Ford?
Earnhardt Ford's finance department in Chandler says it works with buyers from perfect credit to no credit at all, though every loan is still on approved credit. Ford Credit also has a First-Time Buyer Program aimed at people financing their first vehicle.
Should my first car be a used Ford or a new one, and which costs less over the life of the loan?
Depends on your approval. The total over a loan turns on the price, the interest rate and the term you're approved for. Price is the part you can compare before you apply. Our listed prices don't include tax, title and license, so add those to each car you're weighing. For a used first car, we sell certified Fords under Ford Blue Advantage and Gold Advantage. Ask Earnhardt Ford's finance office in Chandler for the total on each car, not the monthly payment.
Can I pre-qualify online for my first car loan without it hurting my credit score?
Ford Credit's finance page and Earnhardt Ford's finance pages don't say whether pre-qualifying affects your credit score, so we can't promise it won't. You can still pre-qualify online through our pre-approval page before you visit the Chandler store, and Ford Credit lets you get prequalified and see your budget before you shop.
I work in Tempe and can't get to Chandler during the week. Can I handle the first-loan paperwork online or by phone?
Yes. No Bull Express lets you do everything online and take the test drive at home. Tempe is inside the at-home test drive radius, along with Gilbert and Mesa, and the drive is free with no obligation to buy. Ford Credit's full credit application also runs online in minutes, and Earnhardt Ford offers home delivery. For anything you'd rather talk through, call our Chandler store at (480) 866-9848.
What should I bring to the finance office for a first-time car loan?
Bring a valid driver's license and the budget you pre-qualified for. Earnhardt Ford in Chandler requires the license before an at-home test drive. Our site doesn't list any other papers, so ask the finance office which ones your loan needs when you apply.
Does Ford Credit have a program for first-time buyers, and what does it require?
Yes, Ford Credit lists a First-Time Buyer Program for people financing their first vehicle. Its finance page doesn't list what the program requires, such as a cosigner or proof of income. The same page offers prequalification and an online credit application. Earnhardt Ford's finance office in Chandler works with Ford Credit and a network of other lenders.
Ready to start your first car loan?
Price(s) plus government fees such as Tax, Title & License. On all vehicles, actual vehicle sale price and payments may vary for various reasons - including but not limited to - applicable manufacturer rebates, special limited time offers, dealer incentives, government taxes, licensing fees, buyer's credit qualifications, dealer installed accessories or market product (or vehicle) scarcity. Financing on approved credit. Must qualify for some offers. Some offers may not be available with special financing, lease and certain other offers.
Although every reasonable effort has been made to ensure the accuracy of the information contained on our website, absolute accuracy cannot be guaranteed. Dealer cannot be held liable for data that may be listed incorrectly. While we make every effort to ensure the data listed here is correct, there may be instances where some of the factory rebates, rates, incentives, options or vehicle features may be listed incorrectly as we receive data from multiple data sources. All vehicles are subject to prior sale. Not responsible for typographical errors. Equipment added by the dealer or the purchaser will increase the overall transaction amount
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